# ISABELLA BANK
MOUNT PLEASANT, MI · FDIC certificate 1005 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.17B | |
| Deposits | $1.85B | |
| Loans and leases | $1.59B | |
| Total equity | $190.0M | |
| Loans / deposits | 85.38% (p46 of band) | 87.10% |
| Liquid assets / assets | 22.15% (p54 of band) | |
| Uninsured deposits / deposits | 36.52% (p65 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.35% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.93% (p11 of band) | 10.50% |
| Unrealized securities loss / equity | -5.70% (p60 of band) | -7.75% |
| AOCI / equity | -0.38% (p44 of band) | |
| ROA (annualized) | 1.10% (p37 of band) | 1.26% |
| Net interest margin | 3.47% (p35 of band) | 3.70% |
| Efficiency ratio | 64.17% (p66 of band) | |
| Noncurrent loans | 0.49% (p49 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p65 of band) | |
| Reserve coverage of noncurrent | 185.87% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 69.93% (p72 of band) | |
| Auto loans | $27.8M (1.75% of loans; DQ 0.10%, NCO 0.00%) | |
| Loans to nondepository financials | $105.0M (55% of equity) (p97 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 373 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | wholesale funding >15% |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 0 |  | capital falling, expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | loans-to-lenders >50% equity |  |
| 2024-12 | 0 |  | capital falling, loans-to-lenders >50% equity |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | capital falling, loans-to-lenders >50% equity |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-17 [Michigan bank to buy in-state peer for $54.6M - Banking Dive](https://news.google.com/rss/articles/CBMihwFBVV95cUxPbl9uRWE4cUE3OXZmMVEtdnBFODg3bE9oemZTQ0tibXlCVW0xZ1ZFM0JvbXB2OHBrVTZ4NUk3am41Y1VPQWtsTmZiU2lVdmNlaklzNmdUdDhVbi1YTDJROFBlbVlLWEcyaHVtU1JNd0JBN0pia2NkWkNXTVNxTk5lN1IzU21BOE0?oc=5) · Banking Dive
- 2026-06-16 [Michigan bank strikes deal for an in-state rival - American Banker](https://news.google.com/rss/articles/CBMiswFBVV95cUxNMkxNU1YwUldZTExfLVVidmhTMVZRZzV4QkZfODdCck5VbTdySzd0U0JIV2lHM1dXZWFmRGJnZ1FULVlTUmRuX096QmZxN0VfOUd1QXlUeHc2VV82MVNrX3AyemVzdzNzSXQxRnFxbDU1UDY0V1BuU3pObkRuZW56bUNYWTFWa2h0WElzbWlOWHpvQXQtcmdVczJESXZTVjM2VVN5N2pVUXJaXzlQUUwtV0o1QQ?oc=5) · American Banker
- 2026-05-26 [Isabella Bank Corporation Rings the Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMif0FVX3lxTE1HdE1Rd3pONEtQdUprb2JVWk83R1VHVVM0akFXQTN6WG91T0FuTkxabldpMHhIYzROUlplZGtHRUh3S1hwUU1CVUJ6NGdBZ28wd1hGa1BfWWtnODBOQ1cwV2pqeThkNnZGejY0WjNhQS1KaFVVSzlwR1BiZVFaZDg?oc=5) · Nasdaq
- 2026-06-12 [Isabella Bank Corporation to Acquire Grand River Commerce, Inc. - ACCESS Newswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNWlBMTXdLSFVueVJ3WTZjejJaRjA2X08yR3hsWGgxTDBHN2lGMWtsTWFFRmlOR1lSSDBKbGxVaWdKeE02WU4tVjRXNmI4TVU2bG5XajJ4U3cwNXJiR2FQVDI4VURUbkJ0Tjd4b3NmTWhpanJ3RXZxbG0xVHpJX2NmMEFBaURSSHNUeVpJenJ4UEFvODBlTVNTQmdLUEpNeVBjYzgzYW53Q0dISm1hRmNUZVpkRW11NWNpTjFKLW1FN2tjeFBrTGN0X1ptRWQtcUxfOTU5SG5IQ21RVXdl?oc=5) · ACCESS Newswire
- 2026-04-28 [Bobby Smith named director of Isabella Bank Institute for Entrepreneurship - Central Michigan University](https://news.google.com/rss/articles/CBMirgFBVV95cUxPV0JmS2V4ZmxpZjU4MjQ4ZlZmd0RSeUZDTXJSNzRzcTdoaGs2Vy02V3dEeFlmMGEzaWptNEJycjdkNVdnbV9udTVHaEJZcW9oc2cxSEhQTDQ5SkZzcUZTaHlLYkF0cS1ZRklGRmlFSDk0ZDZlVlNrMmFfaF9sUTVIYnVwZk9XTG5fSjBIZXhMYWRyY0RISExlMWloUllFWmpqS25pN2hMSkJuZ2I0THc?oc=5) · Central Michigan University
- 2026-06-12 [Isabella Bank to acquire Grand River Bank for $54.6 million - 9and10News.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNWDBJa0sxM3I5amJ3ZU5vd3ZnTnVGbF9qTHZWU1ljaU0tcEVoOF9qMDk3ck5QWl9hWnRhOVFySjYwX2RLWUVGVGVSU1FORG9zckhaRUtkWHhDVXktSVE5MnFuUjVDbEI3cENqSGdFbmlUUC1nSVpwMVdsZEtCTlV3Z0ZiQVp0TEdpV256MUlVNy1Wa1hyNTV2SUZKSWM?oc=5) · 9and10News.com
- 2026-07-23 [Isabella Bank Corporation Reports Second Quarter 2026 Earnings - Newswire.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNbUlJNnBBTVV3TmU1Rkl1NWR6U1l0Snl6MHRidTlhWENlcGZqSDNPRlVNVEFxWFdqcndlbWREWm1HaWZEcVZZOHhmR2xTNTJPaEhJLXhXTFZUUEpYWUk5UlpHVUM0Um1IQnYzbGRjMkhRMlE4YUVJcm9ycDJscUMzeU5rdF9ud09RT0o5ekZ4b0IyUmp0cjhR?oc=5) · Newswire.com
- 2026-06-15 [Mid-Michigan bank to acquire Grand River for $54.6M - WOODTV.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQTVlycWxmN1l4bGc4Z2pKdHdZNkFZLWFvLURwOG1vZERvbVh2Vlg1M2w4c3RvaGhhYXVnMHRSY2ZFRFNHWEYxSDNXa01PUWNUSTFhN1BGZFQ3ZS1XS1hpbWpMLWJSNEVYRXVjcXo4UTdSdmpLbEk2ZTlVWnhSYlZPU19teUU0RjFXajBhSDhkby01Q29LcVlV0gGcAUFVX3lxTE9Yc0FGanpLUW5KM2ZTYUppZEJLMkN0STBod1BmR0F5b0ZTM0FMUWJoRjVWZmp6R2t4NUF6OFNrclpNZW5NUUl3eDhTS3k5UElWMlVHUkVvUkNkUFRVTVZIcFNKTXJTYWlINkpjVU1XSmFUenBxSGVJOWlfWVlOYVhNZm5UVWJ6aWhhZklMVlV2TDBTU0FqeVhVdmd2cQ?oc=5) · WOODTV.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1005 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "1005", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide